1引言随着电子商务和移动通信技术的高速发展,传统的消费观念和支付手段正在逐渐改变,伴随着电子商务发生过程的载体(智能手机)、介质(移动网络)和环境(不再坐在电脑前,而是在户外移动中)都发生了很大的变化,移动电子商务发展迅速,移动端将会是新互联网时代站稳脚跟的唯一途径。很早就 1 Introduction With the rapid development of e-commerce and mobile communication technologies, the traditional concept of consumption and payment methods are gradually changing. With the carrier (smart phone), media (mobile network) and environment (no longer sitting Computer, but in the outdoor mobile) have undergone great changes, the rapid development of mobile e-commerce, the mobile terminal will be the only way to gain a firm foothold in the new Internet age. Very early